PRAMOD NEPAL'S BLOG

Poetry Collections" Dohorieko Itihas"

2011-03-01T02:03:00.000-08:00

Dohorieko Itihas (Repeated History ) is a poetry collection. In this book there are 36 poetry written by me. This book is published by Parsa Milan Kendra, Kathmandu in Parsa Diwas Samaroha,2010. The price of the book is only NRs.100.00. All Poetry are in Nepali Language. Poetry is about Path of life, Mother, Peace, Barambaba( a pipal tree),Time, love, nation, Life,heart, desire, Democracy, present etc. Any one who needs my book can contact me in my following address

Email: ppnepal@gmail.com
Ph: 977014432167
Cell ph. 9851102604

Very Happy Bada Dahsain,2068

2010-10-12T02:09:00.000-07:00

Bada Dashain, a great festival of Hindus has already said good bye. This year the price of the commodities has tremendously gone up . A common people had to face lots of difficulties to celebrate this festival. But it was welcomed by hook or by crook, there were no other alternatives . This year my elder brother Advocate Binod Nepal is having serious problem with his health. We were in no mood to celebrate it but he is recovering and we decided to go ahead with our tradition. On this great occasion I would like to extend my best wishes to every Nepalese in Nepal and around the world and also wish a Very Happy Bada Dahsain,2068. May the goddess Durga Bhavani adorns all Nepalese with her blessings and give power to fight evils within one and around ones periphery.

Good Corporate Governance For Financial Institutions,Published in The Rising Nepal, Daily news paperDec 19,2004

2010-10-08T06:45:00.000-07:00

By Pramod Prasad Nepal,
Corporate governance is a key element in improving economic efficiency,

which involves

a set of relationships between a company’s management,

its board, its shareholders and other stakeholders. It also provides

the structure through which the objectives

of the company are set and

the means of attaining those objectives and monitoring performance

are determined. The recent financial crisis in Asia and elsewhere

also have

made amply

clear to all

about the importance

of the issues of transparency

and accountability

in corporate governance to investor confidence

and to

overall national economic performance.

Concept

Organization

for Economic Co-Operation

And Development (OECD), an international organization, whose main motto is ‘partnerships

for progress’

has developed non-binding principles of corporate governance standards

and guidelines, which cover five areas. According to the standards and guidelines the corporate governance framework

should protect shareholders’ right, should ensure the equitable treatment of all shareholders including

minority and foreign shareholders. All shareholders should have

the opportunity to obtain effective redress for violation

of their rights.

Good corporate governance is

not an old concept for the Nepalese financial system. Prior to the

open licensing system for the establishment

of Bank and Financial Institution, authorities were not found so concerned

about good governance

of financial institutions.

The reason might be the presence of only two commercial banks fully and partially owned by the Government. The absence or the denial of good governance led two old public sector commercial banks Rashtriya Banijya Bank and Nepal Bank Limited towards serious shortfall in all aspects of their governance. As soon as the new private and joint venture commercial banks and other financial institutions started their establishment in Nepal, the concerned Nepalese authorities started thinking seriously about the necessity of good corporate governance.

Due to lack of accountability, lack of experience as well as expertise and the practice to use the facility in one’s own interest it was observed that some of the banks and financial institutions were not following the principle of good corporate governance. Such practice seriously affected their profitability resulting in piling up of the non-performing assets. Then the necessity of having a specific law and relevant prudential norms were badly felt. Nepal Rastra Bank as a custodian to Nepalese financial system came forward and started issuing relevant prudential regulations, which was the demand of the hour. Issuance of such regulations had been welcomed as a step towards restoring good governance in the banks and financial institutions. Regulation was aimed at helping them to enhance their deteriorated good governance conditions, which was thought as the root cause of non-performance. Main focus of the regulation was given on putting restrictions on defaulters from enjoying more credit facility because they were said to have found enjoying credit facility from different banks and financial institutions in spite of their failure to repay the loan of other banks and financial institutions. Provision were even made in the regulation issued by Nepal Rastra Bank to blacklist the defaulters and their family members.

Regulation alone is not sufficient enough to regulate the bank and financial institution efficiently and effectively. Instead of having a separate law for each and every Bank and Financial Institution, Nepal Rastra Bank initiated an umbrella act for all commercial banks and financial institutions for their smooth functioning and to minimize the risk. Provisions regarding classification of banks and financial institutions, promotion from lower grade to upper grade, demotion from upper grade to lower one and specific qualification for the appointment of board of directors as well as chief executive officer and their accountability, liability and right and duties have been clearly specified in the new Ordinance, 2061 Relating to Bank and Financial Institution.

The effort of bringing an umbrella law, in this regard, is really praiseworthy. But certain provisions of the law have been seen as controversial. Inclusion of the article regarding minimum qualification for the appointment of the 2/3 of the board of directors in ordinance 2060 and for the appointment of all the directors from among the promoters of A, B and C class licensed institution in ordinance 2061 as graduation with rigid specific qualification has created lots of controversy and dissatisfaction among the investors.

Likewise the specific qualification and the experience for the Chief Executive in the Ordinance, 2061 has also been seen as an intervention in the independency of bank and financial institution. To be a CEO of a bank or financial institution, according to the present law, a person should have at least a Bachelor’s degree and a minimum working experience in executive level for five years in HMG or banking institution or financial institution or international financial institution, except the board of directors from among the public shareholders. Lawmakers must think that imposition of such specific experience may restrict well-experienced and deserving persons with the experience in the level other than that mentioned in the law. Such a provision also may put restriction on people having good managerial skill, experience, interest and accountability, from entering into banking or financial business.

Furthermore, the provision regarding the appointment of professionals from among the list of the experts published by Nepal Rastra Bank has no meaning now because the recent conditions (qualification and experience) put in the law for the appointment of the board of directors from among promoter shareholders are very rigid.

Need

It has been proved from the various instances that to run a bank or financial institution effectively and efficiently good governance is the foremost condition. It has also been proved that good governance is not merely the result of legal provisioning but the result of the feeling of accountability and responsibility by Board of Directors, CEO and other officials from the core of their heart. So the need of the hour for the bank or financial institution is to work towards ensuring good governance, which is the only way to success.

HEADLINES

· Dozen Maoists killed in latest operations

· Five policemen killed in Sankhu attack Search on for Maoists, looted arms

· SAARC close to meeting target of treating TB

· NC paves way for Koirala's bid for another term Poudel writes note of dissent

· Conflict taking heavy toll of economy, lives: DPM

· RNA to prepare encyclopaedia of Nepali writers

· Teachers, students freed in Parasi, Gorkha

· Their Majesties grace Gadhimai religious fair

EDITORIAL/OPINION

· Good Corporate Governance For Financial Institutions

· Minds Set To Protest

· Women's Rights

· Destinations Safe

· MPC come from behind twice to lift Cup

· Ganguly smashed robust 88

· San Miguel Cup Top Indian clubs, Koreans to play

· Bhairahawa defeat Birgunj by 5-wkts

NATIONAL

· Japan: Land of oldest, largest wooden structure

· 500 employees resign due to Maoist pressure in Kaski

· Ginger exports comes to complete halt

· 'Today's Mithila resembles to that of Treta Yuga'

WORLD

· Israel's Labour, Likud agree on unity govt

· US welcomes EU-Turkey deal

· Older Americans support medical marijuana: poll

· War, cold deplete Armenia's trees

Elected as 1st Vice President

2010-09-17T18:03:00.000-07:00

Parsa Milan Kendra was established in 2047 BS. I had the opportunity to work as Secretary in its 1st executive committee . I served the institution as General Secretary for so many years. Later i was elected as 2nd vice president. This year I am overwhelmed when I have been given the responsibility of 1st vice president. Oath ceremony concluded yesterday. Thanks to its president Mr Veerbhadra Vikram Shaha believing in me and Mr Ved Man Singh Malla Who saw potential in me and always encourage me to work for our motherland Parsa District, Nepal through Parsa Milan Kendra, Kathmandu.
At this moment of time I do remember Late Pashupati Kumar Dwivedi by whose pursuance I joined Parsa Milan Kendra, Kathmandu and became its 1st Secretary.
I would also like to thanks all members of this Kendra for accepting me, my work and always believing in me.
Jai Parsa, Jai Nepal.

Tribute to Girija Babu, in Nepali font preeti

2010-04-01T09:56:00.000-07:00

zLif{ g]tf klt >4f ;'dg
– clwjQmf kdf]b k;fb pkfWofo g]kfn

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e]63f6 lgs} 5f]6f] ;dosfnflu eP klg jxfFsf ljrf/ / AolQmTjn] of] k+lQmsf/nfO{c;fWo} kefljt kf/]sf] 5 . la=lk=afa'sf] lrGtgaf6 of] k+lQmsf/ ;fxg} kefljt AolQm xf] . To;}n] dxfg lrGts la=lk afa'sf] ;Gbe[df klg of] k+lQmsf/n] lk=g]kfnsf] gfdaf6 g] lj ;+3 tyf g]kfnL sf+u]; % g+= j8f O{sfO{n] ksflzt u/]sf] Æcf:yfÆ å} dfl;sdf la lksf] ;Gbe[df Pp6f n]v n]v]sf] lyof] . d/0ff]k/fGt dfq dxfg AolQmTjx?;Demg] zfob g]kfnL k/+k/f g} alg ;s]sf] 5 . o:tf] k/+k/fnfO{ eTsfP/ gofF lk9Lx?n] gof k/+k/fsf] z'?jft ug'{ k5{ ca . lalk / lul/h:tf dxf dfgjnfO{ ;Ddfg lbg jxfx?sf] >4fGhnLsf] lbg s'g'{ x'Gg . b]zsf]nflu ;bf ;j{bf lrGtg ul//xg] jL/ ;k'tx?nfO{ lhpbf] /xFbf g} of]ubfgsf] sb/ ug'{ k/+k/fsf] yfngL ug{ ;Sg' kb{5 .
t/ klg gZj/ z/L/sf] cUgLx'lt kZrft eP klg ;Demgf u/L b]zsf ;Rrf l;kfxL, cys of]4f, s'zn ;+u7g stf{ / lzif{ g]tfnfO{ >4f ;'dg ck{0f ug{ kfpFbf klg of] k+lQmsf/ cfkm"nfO{ wGo 7fGb5 .
x] g]kfn cfdfsf ;Rrf ;k't lul/hf afa' ltldnfO{ d]/f] x[bo b]lvsf] >4f~hnL . sf]6L sf]6L >4f ;'dg .

@)^^.!@.!^
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ppnepal@gmail.com

Regional banks investment problem regarding Recent Regulation of Nepal Rastra Bank

2009-05-24T18:32:00.000-07:00

Nepal Rastra Bank , Central Bank of Nepal has issued a new regulation barring regional level development Banks to accept the collateral outside their permitted area. Development Banks are even directed to reimburse their loan that has been disbursed against the collateral of outside the given area before the end of Paush 2066. It has created a lot of problems to the regional level development Banks.
I think it is the right of the citizens to choose the bank they want to work with. Working with a bank depends on so many things like the facility, interest rate, other charges, personal relation, behavior and the quality of service. If bank cannot provide the banking facility to the people what is the meaning of working as a bank. Is it possible and the ethics of the bank to tell the borrowers to pay back all the credit they have been provided for certain period of time in 1 yr? Yes i do agree that a regional bank should not go beyond its permitted area but at the same time it should have the right to work and exercise all the functions according to the law of the land from its office established in permitted area. Denial of service to the client is not the motto of a bank irrespective of collateral,race, clan, cast, religion, geographic area etc of the client. We opined that as per the law of nature A bank must provide service to those who are eligible to receive it from its offices .
Limitation of business area may lead a regional bank to failure . I think this is not the aim of those central bankers who insisted to impose such regulation which seems to be unlawful and discriminatory.We hope that the central bank new governor would understand the seriousness that has been created by the new regulation to the regional level development banks and would uplift the banned and would let the development banks to accept the collateral of any region and any place inside the country and let a citizen to work with the bank situated any where in the country as per the constitution of the land.

My Dashain and Tihar this year

2008-10-28T18:30:00.000-07:00

Bada Dashain and Tihar are great festivals of Hindus especially Nepali. Last year we did not celebrate it . My respected mother Bafata Devi departed to her heavenly abode and we were mourning the sudden and sad demise of our beloved.
She was the one who had shown us the right path and direction and was the source of inspiration because of whom we have been able to stand on our own feet to serve the nation.
but this year we celebrated the festival worshiping goddess Bhagawati and on Dashami by accepting tika from elders and offering tika to youngsters.Likewise we celebrated the festival Tihar worshiping goddess Laxmi and eating sel, anarsa, fini etc. similarly accepting tika from DIDI and playing Bhailo and Dyausi. I would like to wish for the progress, prosperity and piece to all the viewers on this great and auspicious occasion. Happy Bada Dashain and Tihar.

Supervisory Role of Nepal Rastra Bank

2008-09-26T17:26:00.000-07:00

Supervisory Role of Nepal Rastra Bank as a central Bank is very important role. It helps to bring the commercial banks and financial institutions back into the track in case they deviate from their do's. For supervision of the Banks and financial institutions very competent staffs are needed. In the lack of experienced, trained, dedicated, professional and above all positive thinkers and having knowledge of related acts, rules and regulations supervisory work carried out, I think,would be less effective as well as may damage the image of central bank. Before recruiting the staffs for supervisory purpose it is very important to analyze and scrutinize the past behavior and their competency.
Supervision must not be done for the shake of supervision and to show the supremacy of the supervising agency whether it is a board or the central bank. Provision made in acts, rules and regulations must be taken care into consideration. Monopolistic approach, beyond acts, rules and regulations, should not be given place during supervision. The shadow of Personal relation and feeling of supremacy also should never come during the same. It is the team leader and the chief of department to look whether the report of the juniors are based on present acts, rules and regulations. This helps to convince the bank and financial institution that supervisory body is the true friend not just a supervisory body. Sometimes it is seen that the juniors with no reason raise the issue which the bank and financial institutions carry as per the prevailing law. They don't go as per the prevailing law but try to explain the very clear provision made in the respective law as if they are the full authority to carry out the same. Such behavior has very negative impact on the banks and financial institutions. Such issue which is not a issue is the waste of time.
So what I suggest that let supervisory body, in case of Nepal Nepal Rastra Bank (must think that com.banks and financial institutions are the integral part of the economy) and the banks and financial institutions must go together hand in hand to build the new democratic republic nation a very developed one. But it is my perception that supervisory role of supervisory body is very important through which stake holders are assured of their stake which is very important for their business relation with the bank and financial institution and for the benefit of the bank and financial institution itself.
I request all the viewers for their comments and suggestions.

Efforts of Nepal Rastra Bank towards

2008-09-23T18:25:00.000-07:00

Efforts of

Nepal Rastra Bank

towards Ensuring

Good Governance

-Pramod Prasad Nepal*

1. Before counting efforts that Nepal Rastra Bank has made to ensure good governance in banks and financial Institutions it is very much relevant to know what actually good governance is.

2. The meaning of good governance may not be the same for everybody. It may vary person to person. But in my opinion Rule of Law, Fairness and Accountability are the main components of good governance.

3. Good corporate governance is a key to the success of a bank and financial institution. Banks and financial institutions are a critical component of any economy. They provide financing for commercial enterprises, basic financial services to a broad segment of the population and access to payment system. In addition, some banks and financial institutions are expected to make credit and liquidity available in difficult market conditions. The importance of banks to national economies is underscored by the fact that banking is virtually a regulated industry and that banks have access to government safety nets. It is of crucial importance therefore that banks have strong corporate governance otherwise failure of Banks and financial institutions is inevitable.

4. It has been proved from various studies that Asian financial crisis was the result of the failure of many banks due to lack of sound risk control and clear strategy, that means there was a serious lack of good corporate governance. Although there was no such instance of crisis in Nepal, taking the cause of crisis into account measures have had been gradually taken to enhance level of good governance in bank and financial institution. The necessity of good governance might not have been felt earlier by the central bank because of the fewer number of banks and financial institutions among which most of them were very new.

5. Issuance of prudential regulation to bank and financial institution by Nepal Rastra Bank, enactment of new Nepal Rastra Bank act, 2058 and issuance of Bank and Financial Institution Related Act, 2063, are the measure steps, which have been taken so far to ensure good corporate governance in bank and financial institution.

6. Nepal Rastra Bank have been playing vital role in ensuring good governance in bank and financial institution. One of the main objectives of Nepal Rastra Bank as mentioned in Nepal Rastra Bank act is to appropriately regulate; inspect and supervise in order to maintain stability and healthy development of banking and financial system. This objective aims at ensuring good corporate governance. To meet above objective several provisions have been incorporated in both Nepal Rastra Bank act, 2058 and Bank and Financial Institution Related Act, 2063. Those provisions have not only empowered Nepal Rastra Bank to regulate; inspect and supervise bank and financial institution but have also endowed it with power even to impose one or more than one punishments on those bank and financial institution that violates an order or directives issued by it. Punishments incorporated in law are as follows:

(a) Could issue reprimand or written warning,

(b) Could obtain an undertaking from board of directors for adopting reformative measures,

(d) Could suspend or terminate the services of the bank and financial institution,

(e) Could prohibit commercial bank or financial institution to distribute dividend to its shareholders,

(f) Could prohibit commercial bank or financial institution from accepting deposits or granting loans and advances,

(g) Could impose full or partial restriction on the business transaction of the commercial bank or financial institution,

(h) Could suspend or revoke license of the commercial bank or financial institution.

7. To enhance good governance condition of bank and financial institution apart from the traditional power of licensing, regulation and supervision, Bank and Financial Institution Related Ordinance, 2061 has empowered Nepal Rastra Bank with lots of powers. Appointment of one of the Board of Directors from among qualified and well experienced business experts, promotion i.e. from ‘Ga to Kha’ or ‘Kha to Ka’ and demotion i.e. from ‘Ka to Kha’or ‘Kha to Ga’ of Bank and Financial Institution from one category to another, suspension and revoking of license, enlisting of auditors, suspension and taking over of the management, imposition of penalty fromRs.10 thousands to Rs.50 thousands according to the classification (for failing to furnish the specified information in time) and punishment to concerned authority( who does not comply with the orders and directives of Nepal Rastra Bank and acts against the interest of depositors and shareholders ) by Nepal Rastra Bank could be seen in this regard.

8. Nepal Rastra Bank has been carrying its responsibility to establish good governance through the issuance of necessary regulations since long time back. Regulations have been changed time and again. Separate regulations have been issued for different bank and financial institutions. Regulation covers almost all areas of activities of banks and financial institutions. It has been helping to bring their activities into right track.

9. In my opinion only enactment of any act or regulation is not sufficient enough. Compliance to the law is very essential. It would be of no use unless the concerned authority would go by it. To ensure whether banks or financial institutions are performing their business as per the law, timely supervision is the only option. Nepal Rastra Bank as per the law of the land is the supervisory body. It is the duty and responsibility of Nepal Rastra Bank by law to ensure whether banks and financial institutions are carrying their business as per the law. There is no doubt that Nepal Rastra Bank never lags behind in carrying its responsibility with full accountability, which has been proved time and again. But in spite of its regular inspection and supervision most of the banks and financial institutions have not been seen being able to ensure good corporate governance. Board of Directors of banks and financial institutions must be aware of the facts that their actions may have adverse effect on the profitability and ultimately take the institution towards non-performation or liquidation.

10. Despite full authority of taking necessary actions against those banks or financial institutions that do not comply with the provisions made in the law, amount of non- performing loans and non-banking assets have been increasing tremendously. Such increments have also been adversely affecting the overall business of the bank and financial institution. Such situation not only could be the result of, as it is blamed, ineffective and inefficient supervision by Nepal Rastra Bank but also could be the result of several other factors. Let whatever be the actual reasons but the blames of their failure have been put on the shoulder of Nepal Rastra Bank. So the role of Nepal Rastra Bank have now been very responsible and important especially at this juncture of time when amount of non-performing loans and liquid fund of bank and financial institutions are increasing and bank and financial institutions are struggling for their survival due to keen competition in attracting very small and feeble business sector and limited financial market in one hand and the adverse political situation, which is affecting particularly their recovery and Nepalese economy at large in other hand. The keen competition among the same business sector may lead them towards financial crisis and it is a hilarious task that Nepal Rastra Bank has to take as a challenge to lead them towards their prosperity pursuing them to follow the path of good governance.

11. In carrying its responsibility in ensuring good corporate governance Nepal Rastra Bank has to be very bold and perfect. For this purpose strong will, relevant prudential norms, experienced, educated, well-trained and well- motivated supervisory staff and feeling of accountability in top-level management are primary requirements. But in contrary to the above facts when Nepal Rastra Bank, to ensure good governance, is in need of efficient, trained and senior level staff and also in the process of re-engineering ‘Voluntary Retirement Scheme (VRS)’has been introduced suddenly targeting towards them too. As a result of which and rumors spread most of the competent staffs have been retired unwillingly that has created a vacuum which may affect efficient and effective supervisory responsibility of central bank at a time when it is trying to ensure good governance in banks and financial institutions. Such decisions have put question mark on staff management planning of Nepal Rastra Bank and on the implementation of the recommendation of re-engineering group that has been given contract from the loan of World Bank and are paid in U.S.Dollars.

12. It has been proved that good governance is the only one option to run an institution fairly and smoothly. Central bank has an important responsibility for shaping an effective regulatory framework that provides for sufficient flexibility to allow market to function effectively and to respond to expectations of shareholders and other stakeholders. So, unless and until there would not be timely, efficient and effective supervision followed by timely action against those who violates law, ensuring good governance in banks and financial institutions by just issuing order and directives would not be sufficient enough. So Nepal Rastra Bank should focus its efforts on strengthening and also moving relevant steps towards making itself able to carry on its regulatory and supervisory responsibility efficiently and effectively in the days to come so that banks and financial institutions would be in a position to do better and contribute a lot in enhancing country’s deteriorated economic condition.

Thank you.

*Advocate and Deputy Director N.R.B. (Retd.)

curriculum vitae

2008-09-23T17:39:00.000-07:00

CURRICULUM VITAE

Name PRAMOD PRASAD NEPAL

Marital status Married

Nationality Nepali

Sex Male

Date of Birth 18/11/1958

Address

Residence

33/3, Jogi Kuti Marga, Handigaon

Kathmandu-5

Nepal

Tel: 977-1-4432167

Email: ppnepal@hotmail.com

Academic Qualification : M.A.,

B.L.(Bachelor Of Law)

.

Academic Detail

Degree/Diploma University/Board Year

Master’s in Political Science Tribhuvan University 1993

Diploma in Law Tribhuvan University 1986

Bachelor of Arts Tribhuvan University 1977

I.Sc. Tribhuvan University 1972

School Leaving Certificate Controller of Examination, Nepal 1969

Service & Work Experience

Institution Service period Position Work assigned

Nepal Rastra Bank, 10 years. Senior Research Agricultural Research and

Agricultural Credit Division (1978-88) Assistant Refinance to Banks for

Agricultural sector lending

Nepal Rastra Bank, 10 years Officer, Legal drafting rules, regulations

(1988-98) as well as preparation of

necessary documents

for litigation and engaged

in providing opinions and

suggestions regarding

different legal issues

including banking

and finance

- Nepal Rastra Bank more than 1 year Deputy Director Internal Auditing of Branch

Internal Audit Department offices as well as of

central office.

- Nepal Rastra Bank about 3 Years Deputy Director Onsite Supervision &

Non Bank Financial Institutions follow up work of Non

Supervision Department Bank Financial Institution.

-Nepal Rastra Bank About 1 year Deputy Director Drafting Regulations, statistics

Banks and Financial Institutions publication and other works

Regulation Department related to banks and financial

Institutions regulation

- Mid. Region Grameen Bikash Bank 1 Year Executive Director Performed all the responsibilities (Janakpur) (2002-2003) & of Chief Executive Officer

Member of of the bank for more than

Board of Directors a year and worked

towards its sustainability.

Training, seminar and workshop

Training

Subject Duration Institutions and Venue

1. Leasing Financing and investment Two Weeks Central Bank of Philippines

Banking and Thailand

(With the financial help of USAID/Nepal in 1993 )

2. Banking Laws and Regulations Three weeks SEACEN Center, Malaysia

3. Agricultural Finance and Co-Operative Ten Days APRACA/CENTRAB, Japan

Banking

4. IT Risk Management in Banking Ten Days SEACEN Centre, Philippines

Supervision

5. Grameen Dialogue Programme One week Grameen Bank, Bangladesh

6. Research Methodology One-week Nepal Rastra Bank, BTC, Nepal

7. Computer Alpha Plus* Course Three Months Computer Point, Nepal

*Includes DOS, MS WINDOWS, MS WORD, MS EXCEL, MS POWERPOINT, ADOBE PAGEMAKER, INTRRNATE AND E-MAIL

Seminar

Subject Duration Institution and Venue

1.Community Ground Water Irrigation One-Day HMG Nepal & NRBank, Nepal

Sector Project (ADB Project)

2.Financial Stability Two Days Bank Indonesia, Jakarta

Workshop

.1. Bank Service Marketing Three Days BTC, Nepal Rastra Bank

2.First Banking Law Three Days BTC, Nepal Rastra Bank

Besides above Trainings and Seminars I have participated in various other Training Programmes Conducted by Nepal Rastra Bank, and also participated in Various Workshops and Meetings Related to Legal issues, Inspection and Supervision and Priority Sector lending as a Central Banker and as an Executive Director of Mid. Region Grameen Bikash Bank.

Other activities

1. Advocate and Member Of Nepal Bar Association (an association of Lawyers of Nepal)

2. Member Secretary, Inspection and Supervision Manual Drafting Sub-Committee, NRB

3. Member Secretary of a Social Organization called 'Parsa Milan Kendra, Kathmandu.

4. Member Secretary, Consortium Financing Regulation Drafting Committee, NRB

5. Executive Member, Association Of Ex.Employees, Nepal Rastra Bank.

Country Visited

Thailand, Philippines, Malaysia, Srilanka, Indonesia, South Korea, Hong Kong,

Japan, Bangladesh, Singapore and India (Calcutta, Bombay, Delhi etc.).

Publication

1. Role Of Commercial Banks In the Development Of Priority Sector Lending (Nepali); Priority

Sector NEWS, Issue71, B.S.2052.

2. Relevancy Of Foreign Exchange (Regulation) Act (Nepali); Manobhawa, Issue 2, B.S.2052.

3. Role Of Nepal Rastra Bank in the Establishment of Finance Company(Nepali); NRB News, Baisakha14, 2053.

4. Thumb Print and Its characteristics for Proper Identification (Nepali); NRB News, Baisakha14, 2054.

5. Role Of Nepal Rastra Bank In The Context Of The Establishment Of Commercial Bank; (Nepali)Mirmire, Issue 1, B.S.2052

6. Provisions Regarding Merger Of Bank And Financial Institution(Nepali): A Review; NRB News Bulletin Baisakha 14, B.S.2061

7. Problems Of Co-Operative and Suggestions for their Solution(Nepali).; Mirmire, Issue 64, Falgun 2044 .

8. Role Of Micro Credit Institution in Poverty Reduction and Its Challenges(Nepali), Economic Post, Weekly, Issue 33-34, Sept. 22, 29, 2004.

9. Nepal Rastra Bank Towards Ensuring Good Governance, The Rising Nepal ,Dec.2, 2004

10. Micro Credit Institution towards Raising the Standard of Deprived Sector(Nepali) , Gorkhapatra, Nov.25, 2004

11. Appointment of Board of Director in Bank and Financial Institution(Nepali), Gorkhapatra Daily, Dec.13,2004(Marg28,2061 B.S.)

12. Good Corporate Governance for Financial Institutions, The Rising Nepal, Daily, Dec. 19, 2004 (Paush 4, 2061 ).

13. Issues relating to the appointment Of Governor , Economic Post, weekly, Year 3, Issue 1, Jan19, 2005 (2061, Magh 6 ) .

14. Provision Regarding Board Of Director of Bank and Financial Institution(Nepali), Gorkhapatra daily,March 19,2005( 2061, Chaitra 6 ).